Have a look at your annual motor insurance documents. If you are permitted to drive a car that is not the vehicle specified in your policy, then it will most likely be stated as a limitation of use on the certificate of motor insurance.
Note that there are likely to be additional terms in the Policy Booklet governing the driving of someone else’s car, which may include:
- The cover provided will be Third Party Only.
- Your own insurance policy must still be valid: i.e. you must still own the vehicle specified in your insurance policy and the car must be roadworthy.
- The other vehicle must be owned by someone else.
- The vehicle must not be a hire, rental, or courtesy car.
- The owner of the vehicle must have provided permission for you to drive the vehicle and there must be a valid insurance policy in place on that vehicle.
This cover is normally only for policyholders, and does not extend to named drivers.
